| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A. SAPOZNIK | 1100 NE 163 STREET MIAMI, FL 33162 | AVMED | $58K | $682 | $59K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF HOMESTEAD | 1780 N. KROME AVE HOMESTEAD, FL 33090 | AVMED | $29K | $341 | $29K | 2.02% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 11.89% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 5.35% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $405 | $2K | 2.28% |
| EDGARDO JESUS MINI-ESPEJO3 | 13500 SW 88TH STREET SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $225 | $1K | 1.51% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 1.35% |
| MARIO P CASERTA3 | 12531 SW 112 AVE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2 | $1K | 1.27% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $15 | $726 | 0.85% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST. PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $109 | $658 | 0.77% |
| EDUARDO LUIS DOMINGUEZ3 | 13500 SW 88TH STREET MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | $26 | $485 | 0.57% |
| JESUS ROBERTO MARTINEZ3 | 28501 SW 152 AVE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $3 | $321 | 0.38% |
| LOURDES PRICE3 | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $9 | $273 | 0.32% |
| ALBERT SIDO3 | 2113 DAVIE BLVD #145 FORT LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.31% |
| DAVID CHRISTOPHER NUNES0 | 11725 SW 132 COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $6 | $230 | 0.27% |
| MARTHE LADINY VOLTAIRE3 | 517 NW 87TH WAY CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.24% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31 TERRACE MIAMI, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.24% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $43 | $171 | 0.20% |
| ANTHONY ACCILIEN3 Filed as: ANTHONY ACCILLIEN | 6157 UNITED ST WEST PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $3 | $163 | 0.19% |
| GARY NABORS3 | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.16% |
| JUDITH I VIDAL3 Filed as: JUDITH I. VIDAL | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.15% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.14% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILY CANTIZANO | 8421 SW 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $6 | $119 | 0.14% |
| SANDE LYNN KASKEL3 | 800 PARKVIEW DR APT 501 HALLANDALE BEACH, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $2 | $113 | 0.13% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $3 | $99 | 0.12% |
| CHRISTIAN ANTHONY MALDONADO3 | 1745 HUNTINGTON HILL TRACE BUFORD, GA 30519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.11% |
| RIAZ W RAMJATTANSINGH3 Filed as: RIAZ W. RAMJATTANSINGH | 2001 PALM BEACH LAKES BLVD WEST PALM BEACH, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.10% |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $2 | $73 | 0.09% |
| ZUNILDA CONFORTE PA3 | PO BOX 3765 HALLANDALE, FL 33008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.05% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $19 | $34 | 0.04% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.04% |
| TRANSITIONS COACHING INC3 | 7451 NW 7 CT PLANTATION, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| JONATHAN WALLACE3 | 1643 GLENN AVE COLUMBUS, OH 43212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES | 37 HENDRICKS ISLE FT. LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $7 | $19 | 0.02% |
| DUPUY & ASSOCIATES INC3 | PO BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| FORTUN INSURANCE INC3 | 365 PALERMO AVE CORAL GABLES, FL 33134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AMG BRICKELL INC DBA AGENTS MARKETI3 | 12864 BISCAYNE BLVD NORTH MIAMI, FL 33181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FLOOR 2 NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 14.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | BOX 901505 HOMESTEAD, FL 33090 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $239 | $2K | 2.78% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $162 | $5K | 9.31% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $161 | $3K | 6.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $19 | $2K | 3.40% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $54 | $2K | 3.10% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FLOOR 2 NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $1K | $3K | 13.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRWON OF FLORIDA INC | PO BOX 901505 HOMESTEAD, FL 33090 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $481 | — | $481 | 2.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $72 | $72 | 0.38% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $930 | $2K | 17.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $648 | — | $648 | 5.10% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 546 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $85K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $66K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $13K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $32K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 206 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.